As the seasons change, it’s a good idea to review your auto insurance policy. Whether you’ve added a new vehicle, changed your daily commute, or have a teenage driver in the house, you may be able to adjust your coverage and save money. A quick review now can help you avoid paying for coverage you no longer need—or ensure you aren’t missing important protections.
Key Areas to Review
- Mileage Adjustments – If you’re driving less than you did last year, you may qualify for a low-mileage discount. Many insurers offer discounts for drivers who travel fewer than a certain number of miles per year.
- Comprehensive and Collision Coverage – If your car is older and paid off, you might consider adjusting or removing these coverages to lower your premium. However, if your car is newer or financed, maintaining comprehensive and collision coverage is essential for protecting your investment.
- Bundling Discounts – Do you have home and auto insurance with different providers? Bundling them could help you save money while simplifying your policies under one provider.
- New Drivers and Teen Coverage – Adding a young driver to your policy? Make sure they are properly covered while exploring discounts for good grades, driver safety courses, and usage-based insurance programs that reward safe driving habits.
- Uninsured/Underinsured Motorist Protection – This coverage protects you if you’re in an accident with a driver who has little or no insurance. Given the rising number of uninsured drivers, it’s crucial to check your limits and ensure you have adequate protection.
Next Steps
- Request a personalized policy review to see where you can save or adjust coverage.
- Compare rates and discounts to make sure you’re getting the best deal available.
- Ensure your coverage reflects your current needs based on driving habits and vehicle value.
Taking these steps now can help you stay covered while keeping your costs manageable.